{"description":"Documents matching 'compliance federal consumer protection under'","count":10000,"total_pages":50,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=compliance+federal+consumer+protection+under&format=json&page=2","results":[{"title":"Notice Regarding Investigatory and Enforcement Policies and Procedures of the Office of Aviation Consumer Protection","type":"Notice","abstract":"The U.S. Department of Transportation is proposing to revise and update the investigatory and enforcement policies and practices of its Office of Aviation Consumer Protection (OACP), including the sanctions brought by OACP for non-compliance with aviation consumer protection requirements.","document_number":"2025-24282","html_url":"https://www.federalregister.gov/documents/2026/01/06/2025-24282/notice-regarding-investigatory-and-enforcement-policies-and-procedures-of-the-office-of-aviation","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-01-06/pdf/2025-24282.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-24282.pdf?1767620706","publication_date":"2026-01-06","agencies":[{"raw_name":"DEPARTMENT OF TRANSPORTATION","name":"Transportation Department","id":492,"url":"https://www.federalregister.gov/agencies/transportation-department","json_url":"https://www.federalregister.gov/api/v1/agencies/492","parent_id":null,"slug":"transportation-department"},{"raw_name":"Office of the Secretary"}],"excerpts":"December 31, 2025. \n Blane A. Workie, \n Assistant General Counsel, Office of Aviation <span class=\"match\">Consumer</span> <span class=\"match\">Protection</span>, U.S. Department of Transportation. \n \n Notice Regarding Investigatory and Enforcement Policies and Procedures \n The U.S. Department of Transportation's Office of Aviation <span class=\"match\">Consumer</span> <span class=\"match\">Protection</span> (OACP), a unit within the Office of the General Counsel, is responsible for monitoring airline and ticket agent <span class=\"match\">compliance</span> with the Department's aviation <span class=\"match\">consumer</span> <span class=\"match\">protection</span>, civil rights, and economic licensing requirements. The office has broad authority"},{"title":"Airline Refunds and Other Consumer Protections","type":"Rule","abstract":"Under the U.S. Department of Transportation's (Department or DOT) refund regulations in 14 CFR parts 260 and 399, a flight that is given a different flight number than was assigned when the consumer purchased the ticket is considered a new flight and the original flight is considered a cancelled flight for which the consumer is eligible for a refund. This document announces that the Department is exercising its discretion to not enforce the requirements in 14 CFR 260.6, 260.9 and 14 CFR 399.80(l) regarding refunds and other consumer protections for a cancelled flight when a flight is renumbered so long as the passenger is rebooked on the flight under the new number and the flight is operated without any \"significant change or delay\" as defined in 14 CFR 260.2 and 14 CFR 399.80(l). The Department is taking this interim step of pausing enforcement of its refund requirements under these specific limited circumstances while it engages in a new rulemaking to consider whether to modify the definition of cancelled flight through rulemaking.","document_number":"2025-22140","html_url":"https://www.federalregister.gov/documents/2025/12/05/2025-22140/airline-refunds-and-other-consumer-protections","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-05/pdf/2025-22140.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-22140.pdf?1764855938","publication_date":"2025-12-05","agencies":[{"raw_name":"DEPARTMENT OF TRANSPORTATION","name":"Transportation Department","id":492,"url":"https://www.federalregister.gov/agencies/transportation-department","json_url":"https://www.federalregister.gov/api/v1/agencies/492","parent_id":null,"slug":"transportation-department"},{"raw_name":"Office of the Secretary"}],"excerpts":"final rule on “Airline Refunds and Other <span class=\"match\">Consumer</span> <span class=\"match\">Protection</span>” (Refund I) that, among other things, requires airlines and ticket agents to provide prompt refunds to <span class=\"match\">consumers</span> when their flights are cancelled, significantly delayed, or significantly changed and the <span class=\"match\">consumers</span> are not offered or reject alternative transportation, travel credits, vouchers, or other compensation.\n 1 \n \n The rule also requires carriers to provide notifications to affected <span class=\"match\">consumers</span> that they are entitled to a refund when a flight cancellation or significant delay or change"},{"title":"Authority of States To Enforce the Consumer Financial Protection Act of 2010; Rescission","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is rescinding its May 2022 interpretive rule regarding the scope of State enforcement under section 1042 of the Consumer Financial Protection Act of 2010 (CFPA) and related provisions.","document_number":"2025-08641","html_url":"https://www.federalregister.gov/documents/2025/05/15/2025-08641/authority-of-states-to-enforce-the-consumer-financial-protection-act-of-2010-rescission","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-05-15/pdf/2025-08641.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-08641.pdf?1747226717","publication_date":"2025-05-15","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"ACTION: \n Interpretive rule. \n \n \n SUMMARY: \n The <span class=\"match\">Consumer</span> Financial <span class=\"match\">Protection</span> Bureau (Bureau or CFPB) is rescinding its May 2022 interpretive rule regarding the scope of State enforcement <span class=\"match\">under</span> section 1042 of the <span class=\"match\">Consumer</span> Financial <span class=\"match\">Protection</span> Act of 2010 (CFPA) and related provisions. \n \n \n DATES: \n As of May 15, 2025, the interpretive rule published at 87 FR 31940 (May 26, 2022) is withdrawn. This interpretive rule is effective on May 15, 2025. \n \n \n FOR FURTHER INFORMATION CONTACT: \n \n George Karithanom, Regulatory Implementation and Guidance"},{"title":"Registry of Supervised Nonbanks That Use Form Contracts To Impose Terms and Conditions That Seek To Waive or Limit Consumer Legal Protections; Withdrawal of Proposed Rule","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is withdrawing its Notice of Proposed Rule: Registry of Supervised Nonbanks That Use Form Contracts To Impose Terms and Conditions That Seek To Waive or Limit Consumer Legal Protections, published on February 1, 2023 (Proposed Rule), and is providing this notice of withdrawal. The Bureau has determined that legislative rulemaking is not necessary or appropriate at this time to address the subject matter of the Proposed Rule. The Bureau will not take any further action on the Proposed Rule.","document_number":"2025-19690","html_url":"https://www.federalregister.gov/documents/2025/10/29/2025-19690/registry-of-supervised-nonbanks-that-use-form-contracts-to-impose-terms-and-conditions-that-seek-to","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-29/pdf/2025-19690.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19690.pdf?1761655507","publication_date":"2025-10-29","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"expressly seek to \n \n impose the following limitations on <span class=\"match\">consumer</span> rights and other legal <span class=\"match\">protections</span> applicable to the offering or provision of <span class=\"match\">consumer</span> financial products or services in markets the Bureau supervises: waivers of claims a <span class=\"match\">consumer</span> can bring in a legal action; limits on the company's liability to a <span class=\"match\">consumer</span>; limits on the <span class=\"match\">consumer's</span> ability to bring a legal action by dictating the time frame, forum, or venue for a <span class=\"match\">consumer</span> to bring a legal action; limits on the ability of a <span class=\"match\">consumer</span> to bring or participate in collective legal actions such"},{"title":"Consumer Financial Protection Circular 2024-04: Whistleblower Protections Under CFPA Section 1057","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) has issued Consumer Financial Protection Circular 2024-04, titled, \"Whistleblower protections under CFPA section 1057.\" In this circular, the CFPB responds to the question, \"Can requiring employees to sign broad confidentiality agreements violate section 1057 of the Consumer Financial Protection Act (CFPA), the provision protecting the rights of whistleblower employees, and undermine the CFPB's ability to enforce the law?\"","document_number":"2024-17539","html_url":"https://www.federalregister.gov/documents/2024/08/09/2024-17539/consumer-financial-protection-circular-2024-04-whistleblower-protections-under-cfpa-section-1057","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-08-09/pdf/2024-17539.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-17539.pdf?1723134400","publication_date":"2024-08-09","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"violations of <span class=\"match\">Federal</span> <span class=\"match\">consumer</span> financial law to the CFPB or other regulators. Thus, covered persons who impose these types of agreements on their employees risk violating the prohibition on discrimination against whistleblowers contained in section 1057 of the CFPA. \n About <span class=\"match\">Consumer</span> Financial <span class=\"match\">Protection</span> Circulars \n \n <span class=\"match\">Consumer</span> Financial <span class=\"match\">Protection</span> Circulars \n are issued to all parties with authority to enforce <span class=\"match\">Federal</span> <span class=\"match\">consumer</span> financial law. The CFPB is the principal <span class=\"match\">Federal</span> regulator responsible for administering <span class=\"match\">Federal</span> <span class=\"match\">consumer</span> financial law,"},{"title":"Small Business Lending Under the Equal Credit Opportunity Act (Regulation B); Extension of Compliance Dates","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is finalizing its June 18, 2025 interim final rule amending Regulation B to extend the compliance dates set forth in its 2023 small business lending rule, as amended by a 2024 interim final rule, and to make other date-related conforming adjustments.","document_number":"2025-19370","html_url":"https://www.federalregister.gov/documents/2025/10/02/2025-19370/small-business-lending-under-the-equal-credit-opportunity-act-regulation-b-extension-of-compliance","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-02/pdf/2025-19370.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19370.pdf?1759322731","publication_date":"2025-10-02","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"addressed provisions of the 2023 final rule not taken up by the 2025 interim final rule. \n The CFPB finalizes the <span class=\"match\">compliance</span> dates in the 2025 interim final rule, <span class=\"match\">under</span> which covered financial institutions will begin collecting data as follows: \n \n Table 1—<span class=\"match\">Compliance</span> Dates and Filing Deadlines \n \n <span class=\"match\">Compliance</span> tier \n Original <span class=\"match\">compliance</span> date in the 2023 final rule \n \n Revised <span class=\"match\">compliance</span> date in the 2024 interim \n final rule \n \n New <span class=\"match\">compliance</span> date \n New first filing deadline \n \n \n Highest volume lenders (Tier 1) \n October 1, 2024 \n July 18, 2025 \n July"},{"title":"Consumer Leasing (Regulation M)","type":"Rule","abstract":"The Board and the Bureau (collectively, Agencies) are finalizing amendments to the official interpretations for the Agencies' regulations that implement the Consumer Leasing Act (CLA). The Dodd- Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amended the CLA by requiring that the dollar threshold for exempt consumer leases be adjusted annually by the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Based on the annual percentage increase in the CPI-W as of June 1, 2025, the exemption threshold will increase from $71,900 to $73,400 effective January 1, 2026. Because the Dodd-Frank Act also requires similar adjustments in the Truth in Lending Act's threshold for exempt consumer credit transactions, the Agencies are making similar amendments to each of their respective regulations implementing the Truth in Lending Act elsewhere in the Rules section of this issue of the Federal Register.","document_number":"2025-22813","html_url":"https://www.federalregister.gov/documents/2025/12/15/2025-22813/consumer-leasing-regulation-m","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-15/pdf/2025-22813.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-22813.pdf?1765547123","publication_date":"2025-12-15","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"804(2).\n \n \n List of Subjects \n \n Advertising, <span class=\"match\">Consumer</span> leasing, <span class=\"match\">Consumer</span> <span class=\"match\">protection</span>, <span class=\"match\">Federal</span> Reserve System, Reporting and recordkeeping requirements. \n \n Administrative practice and procedure, Advertising, <span class=\"match\">Consumer</span> <span class=\"match\">protection</span>, Reporting and recordkeeping requirements, Truth in lending. \n \n Authority and Issuance \n For the reasons set forth in the preamble, the Board amends Regulation M, 12 CFR part 213 and the Bureau amends Regulation M, 12 CFR part 1013, as set forth below: \n \n PART 213—<span class=\"match\">CONSUMER</span> LEASING (REGULATION M) \n \n \n 1. The authority citation"},{"title":"Policy Statement on Compliance Assistance Sandbox Approvals","type":"Notice","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing this policy statement on Compliance Assistance Sandbox (Policy), which is intended to further objectives under Section 1021 of the Consumer Financial Protection Act.","document_number":"2025-00377","html_url":"https://www.federalregister.gov/documents/2025/01/10/2025-00377/policy-statement-on-compliance-assistance-sandbox-approvals","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-10/pdf/2025-00377.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-00377.pdf?1736343937","publication_date":"2025-01-10","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"by the Office of Management and Budget <span class=\"match\">under</span> the Paperwork Reduction Act.\n \n \n \n 15 \n  5 U.S.C. 603(a), 604(a).\n \n \n IV. Policy Statement \n The text of the Policy is as follows: \n Policy on the <span class=\"match\">Compliance</span> Assistance Sandbox \n \n In section 1021(a) of the <span class=\"match\">Consumer</span> Financial <span class=\"match\">Protection</span> Act (CFPA), Congress established the <span class=\"match\">Consumer</span> Financial <span class=\"match\">Protection</span> Bureau's (CFPB's) statutory purpose as ensuring that all <span class=\"match\">consumers</span> have access to markets for <span class=\"match\">consumer</span> financial products and services and that markets for <span class=\"match\">consumer</span> financial products and services are fair"},{"title":"Small Business Lending Under the Equal Credit Opportunity Act (Regulation B); Extension of Compliance Dates","type":"Rule","abstract":"In light of court orders in ongoing litigation, the Consumer Financial Protection Bureau (CFPB or Bureau) is amending Regulation B to extend the compliance dates set forth in its 2023 small business lending rule, as amended by a 2024 interim final rule, and to make other date-related conforming adjustments.","document_number":"2025-11244","html_url":"https://www.federalregister.gov/documents/2025/06/18/2025-11244/small-business-lending-under-the-equal-credit-opportunity-act-regulation-b-extension-of-compliance","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-06-18/pdf/2025-11244.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-11244.pdf?1750164319","publication_date":"2025-06-18","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"Rule \n In this interim final rule, the CFPB is extending the <span class=\"match\">compliance</span> dates set forth in the 2023 final rule, as amended by the 2024 interim final rule, by approximately one year, and making conforming adjustments. Thus, covered financial institutions must begin collecting data as follows: \n \n Table 1—<span class=\"match\">Compliance</span> Dates and Filing Deadlines \n \n <span class=\"match\">Compliance</span> tier \n Original <span class=\"match\">compliance</span> date in the 2023 final rule \n \n Revised <span class=\"match\">compliance</span> date in the 2024 interim \n final rule \n \n New <span class=\"match\">compliance</span> date \n New first filing deadline \n \n \n Highest volume lenders"},{"title":"Certificates of Compliance; Correction","type":"Rule","abstract":"On January 8, 2025, in consultation with U.S. Customs and Border Protection (CBP), the U.S. Consumer Product Safety Commission (Commission or CPSC) issued a final rule to revise the agency's regulation for Certificates of Compliance (certificates). The final rule contained two \"effective dates\" for products subject to the final rule based on how products were manufactured or imported into the United States. CPSC is making a technical correction to the DATES section of the final rule because the Office of the Federal Register requires one \"effective date.\" The corrected final rule will contain one \"effective date\" for the final rule and two \"applicability dates\" based on how products are manufactured or imported into the United States. This technical correction has no substantive effect on the dates by which products subject to the final rule must be in compliance.","document_number":"2025-18521","html_url":"https://www.federalregister.gov/documents/2025/09/24/2025-18521/certificates-of-compliance-correction","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-09-24/pdf/2025-18521.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-18521.pdf?1758631516","publication_date":"2025-09-24","agencies":[{"raw_name":"CONSUMER PRODUCT SAFETY COMMISSION","name":"Consumer Product Safety Commission","id":84,"url":"https://www.federalregister.gov/agencies/consumer-product-safety-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/84","parent_id":null,"slug":"consumer-product-safety-commission"}],"excerpts":"and private labelers issue certificates for all <span class=\"match\">consumer</span> products subject to a <span class=\"match\">consumer</span> product safety rule <span class=\"match\">under</span> the CPSA, or a similar rule, ban, standard, or regulation <span class=\"match\">under</span> any other law enforced by the Commission, that are imported for consumption or warehousing or distributed in commerce. 15 U.S.C. 2052(a)(11)-(12); 15 U.S.C. 2063(a)(1).\n \n \n \n Because the Office of the <span class=\"match\">Federal</span> Register requires one effective date for inclusion of the regulatory text of the final rule into the Code of <span class=\"match\">Federal</span> Regulations, in this document, CPSC is correcting"},{"title":"Perchloroethylene (PCE) and Carbon Tetrachloride (CTC); Regulation Under the Toxic Substances Control Act (TSCA); Compliance Date Extensions","type":"Proposed Rule","abstract":"The Environmental Protection Agency (EPA or Agency) is proposing to extend certain compliance dates applicable to certain entities subject to the regulation of perchloroethylene (PCE) and carbon tetrachloride (CTC) under the Toxic Substances Control Act (TSCA). EPA is proposing to extend certain Workplace Chemical Protection Program (WCPP) compliance dates for non-federal owners and operators to match the compliance dates for federal agencies and their contractors. For both PCE and CTC, this proposal would extend the compliance date for initial monitoring for inhalation exposure to June 21, 2027, and extend the compliance date to meet the existing chemical exposure limit (ECEL), establish a regulated area, provide any required respiratory personal protective equipment (PPE), and establish a respiratory PPE program to September 20, 2027. For PCE, EPA is also proposing to extend the compliance date for non-federal entities to establish and implement an exposure control plan to December 20, 2027.","document_number":"2026-05977","html_url":"https://www.federalregister.gov/documents/2026/03/27/2026-05977/perchloroethylene-pce-and-carbon-tetrachloride-ctc-regulation-under-the-toxic-substances-control-act","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-27/pdf/2026-05977.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-05977.pdf?1774529113","publication_date":"2026-03-27","agencies":[{"raw_name":"ENVIRONMENTAL PROTECTION AGENCY","name":"Environmental Protection Agency","id":145,"url":"https://www.federalregister.gov/agencies/environmental-protection-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/145","parent_id":null,"slug":"environmental-protection-agency"}],"excerpts":"The Environmental <span class=\"match\">Protection</span> Agency (EPA or Agency) is proposing to extend certain <span class=\"match\">compliance</span> dates applicable to certain entities subject to the regulation of perchloroethylene (PCE) and carbon tetrachloride (CTC) <span class=\"match\">under</span> the Toxic Substances Control Act (TSCA). EPA is proposing to extend certain Workplace Chemical <span class=\"match\">Protection</span> Program (WCPP) <span class=\"match\">compliance</span> dates for non-<span class=\"match\">federal</span> owners and operators to match the <span class=\"match\">compliance</span> dates for <span class=\"match\">federal</span> agencies and their contractors. For both PCE and CTC, this proposal would extend the <span class=\"match\">compliance</span> date for initial monitoring"},{"title":"Rules and Regulations Implementing the Telephone Consumer Protection Act of 1991","type":"Rule","abstract":"In this document, the Federal Communications Commission (Commission) announces that the Office of Management and Budget (OMB) has approved the information collection associated with the rule adopted in the Second Text Blocking Report and Order requiring that texters and callers obtain a consumer's prior express written consent to robocall or robotext the consumer soliciting their business. The Commission requires that such consent apply to a single seller at a time. The Commission also requires that the consent must be in response to a clear and conspicuous disclosure to the consumer and that the content of the robotexts and robocalls be logically and topically associated with the website where the consumer gave consent. Compliance with the rule section, is required 12 months after publication in the Federal Register or 30 days after notice that the Office of Management and Budget has completed review of any information collection requirements that the Consumer and Governmental Affairs Bureau determines is required un the Paperwork Reduction Act, whichever is later. This document is consistent with the Second Text Blocking Report and Order, which states the Commission will publish a document in the Federal Register announcing a compliance date for the rule section.","document_number":"2024-24908","html_url":"https://www.federalregister.gov/documents/2024/11/06/2024-24908/rules-and-regulations-implementing-the-telephone-consumer-protection-act-of-1991","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-11-06/pdf/2024-24908.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-24908.pdf?1730814313","publication_date":"2024-11-06","agencies":[{"raw_name":"FEDERAL COMMUNICATIONS COMMISSION","name":"Federal Communications Commission","id":161,"url":"https://www.federalregister.gov/agencies/federal-communications-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/161","parent_id":null,"slug":"federal-communications-commission"}],"excerpts":"with the \n Second Text Blocking Report and Order, \n which states the Commission will publish a document in the \n <span class=\"match\">Federal</span> Register \n announcing a <span class=\"match\">compliance</span> date for the rule section.\n \n \n \n DATES: \n \n \n Effective date: \n November 6, 2024\n \n \n <span class=\"match\">Compliance</span> date: \n <span class=\"match\">Compliance</span> with 47 CFR 64.1200(f)(9) is required as of January 27, 2025.\n \n \n \n FOR FURTHER INFORMATION CONTACT: \n \n Mika Savir, Attorney Advisor, <span class=\"match\">Consumer</span> Policy Division, <span class=\"match\">Consumer</span> and Governmental Affairs Bureau, at (202) 418-0384 or \n mika.savir@fcc.gov. \n \n \n \n \n SUPPLEMENTARY INFORMATION:"},{"title":"Defining Larger Participants of the Consumer Reporting Market","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is seeking information to assist it in considering whether to propose a rule to amend the test to define larger participants in the consumer reporting market established by the Bureau's Defining Larger Participants of the Consumer Reporting Market Final Rule published on July 20, 2012 (Consumer Reporting Larger Participant Rule).","document_number":"2025-15088","html_url":"https://www.federalregister.gov/documents/2025/08/08/2025-15088/defining-larger-participants-of-the-consumer-reporting-market","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-08-08/pdf/2025-15088.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-15088.pdf?1754570758","publication_date":"2025-08-08","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"defined a <span class=\"match\">consumer</span> reporting market that covers <span class=\"match\">consumer</span> reporting agencies selling comprehensive <span class=\"match\">consumer</span> reports, <span class=\"match\">consumer</span> report resellers, and specialty <span class=\"match\">consumer</span> reporting agencies. It established that nonbank covered persons with more than $7 million in annual receipts resulting from relevant <span class=\"match\">consumer</span> reporting activities would be considered larger participants in this market.\n 7 \n \n \n The <span class=\"match\">consumer</span> reporting market includes <span class=\"match\">consumer</span> reporting agencies \n \n selling <span class=\"match\">consumer</span> reports, <span class=\"match\">consumer</span> report resellers, analyzers of <span class=\"match\">consumer</span> reports and"},{"title":"Defining Larger Participants of the Consumer Debt Collection Market","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is seeking information to assist it in considering whether to propose a rule to amend the test to define larger participants in the consumer debt collection market established by the Bureau's Defining Larger Participants of the Consumer Debt Collection Market Final Rule published on October 31, 2012 (Consumer Debt Collection Larger Participant Rule).","document_number":"2025-15091","html_url":"https://www.federalregister.gov/documents/2025/08/08/2025-15091/defining-larger-participants-of-the-consumer-debt-collection-market","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-08-08/pdf/2025-15091.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-15091.pdf?1754570762","publication_date":"2025-08-08","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"al-report-2024/. \n \n \n \n The <span class=\"match\">Consumer</span> Debt Collection Larger Participant Rule defined a market for “<span class=\"match\">consumer</span> debt collection,” which is among the <span class=\"match\">consumer</span> financial products or services described in 12 U.S.C. 5481(5)(B) and (15)(A). Activities covered <span class=\"match\">under</span> these provisions of the CFPA include “collecting debt related to any <span class=\"match\">consumer</span> financial product or service.” <span class=\"match\">Under</span> 12 U.S.C. 5481(5)(B), such activity is a “<span class=\"match\">consumer</span> financial product or service” when “delivered, offered, or provided in connection with a <span class=\"match\">consumer</span> financial product or service"},{"title":"Agency Information Collection Activities; Renewal of an Approved Information Collection Request: Transportation of Household Goods; Consumer Protection","type":"Notice","abstract":"In accordance with the Paperwork Reduction Act of 1995, FMCSA announces its plan to submit the Information Collection Request (ICR) described below to the Office of Management and Budget (OMB) for review and approval. FMCSA requests OMB's renewed approval of the ICR titled \"Transportation of Household Goods; Consumer Protection,\" which applies to household goods motor carriers who are procured by the public (household goods shippers) to transport their household goods. This renewal revises the previous information collection's number of respondents, total respondent hours, and cost burden. No comments were received in response to the 60-day Federal Register notice.","document_number":"2025-11685","html_url":"https://www.federalregister.gov/documents/2025/06/25/2025-11685/agency-information-collection-activities-renewal-of-an-approved-information-collection-request","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-06-25/pdf/2025-11685.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-11685.pdf?1750769117","publication_date":"2025-06-25","agencies":[{"raw_name":"DEPARTMENT OF TRANSPORTATION","name":"Transportation Department","id":492,"url":"https://www.federalregister.gov/agencies/transportation-department","json_url":"https://www.federalregister.gov/api/v1/agencies/492","parent_id":null,"slug":"transportation-department"},{"raw_name":"Federal Motor Carrier Safety Administration","name":"Federal Motor Carrier Safety Administration","id":181,"url":"https://www.federalregister.gov/agencies/federal-motor-carrier-safety-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/181","parent_id":492,"slug":"federal-motor-carrier-safety-administration"}],"excerpts":"On July 16, 2012, FMCSA published a direct final rule titled “Transportation of Household Goods in Interstate Commerce; <span class=\"match\">Consumer</span> <span class=\"match\">Protection</span> Regulations: Household Goods Motor Carrier Record Retention Requirements” (77 FR 41699) that amended the regulations governing the period during which household goods motor carriers must retain documentation of an individual shipper's waiver of receipt of printed copies of <span class=\"match\">consumer</span> <span class=\"match\">protection</span> materials. In the rulemaking, FMCSA reduced the 3-year required retention period for those receipts to 1 year. This change"},{"title":"Methylene Chloride; Regulation Under the Toxic Substances Control Act (TSCA); Compliance Date Extensions","type":"Proposed Rule","abstract":"The Environmental Protection Agency (EPA or Agency) is proposing to extend the compliance date applicable to certain entities subject to the regulation of methylene chloride recently promulgated under the Toxic Substances Control Act (TSCA). Specifically, EPA is proposing to extend by 18 months the Workplace Chemical Protection Program (WCPP) and the associated recordkeeping compliance dates for laboratories that are not owned or operated by agencies or Federal contractors acting on behalf of the Federal government. Under this proposal, all laboratories, whether federal or not, would have the same compliance dates, which would be aligned with current compliance dates for Federal agencies and Federal contractors. EPA is proposing to extend the compliance dates for associated laboratory activities detailed in this proposal to avoid disruption of important functions such as the use of environmental monitoring methods needed for cleanup sites and wastewater treatment, as well as activities associated with university laboratories. The use of environmental monitoring methods, a common function of non-federal laboratories, is important to EPA's mission to ensure that the air is safe to breathe, water is safe for drinking or recreating, and disposal activities protect the environment.","document_number":"2025-09421","html_url":"https://www.federalregister.gov/documents/2025/05/27/2025-09421/methylene-chloride-regulation-under-the-toxic-substances-control-act-tsca-compliance-date-extensions","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-05-27/pdf/2025-09421.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-09421.pdf?1748004316","publication_date":"2025-05-27","agencies":[{"raw_name":"ENVIRONMENTAL PROTECTION AGENCY","name":"Environmental Protection Agency","id":145,"url":"https://www.federalregister.gov/agencies/environmental-protection-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/145","parent_id":null,"slug":"environmental-protection-agency"}],"excerpts":"\n The Environmental <span class=\"match\">Protection</span> Agency (EPA or Agency) is proposing to extend the <span class=\"match\">compliance</span> date applicable to certain entities subject to the regulation of methylene chloride recently promulgated <span class=\"match\">under</span> the Toxic Substances Control Act (TSCA). Specifically, EPA is proposing to extend by 18 months the Workplace Chemical <span class=\"match\">Protection</span> Program (WCPP) and the associated recordkeeping <span class=\"match\">compliance</span> dates for laboratories that are not owned or operated by agencies or <span class=\"match\">Federal</span> contractors acting on behalf of the <span class=\"match\">Federal</span> government. <span class=\"match\">Under</span> this proposal, all laboratories"},{"title":"Consumer Financial Protection Circular 2024-07: Design, Marketing, and Administration of Credit Card Rewards Programs","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) has issued Consumer Financial Protection Circular 2024-07 titled, \"Design, marketing, and administration of credit card rewards programs.\" In this circular, the CFPB responds to the question, \"Can credit card issuers violate the law if they or their rewards partners devalue earned rewards or otherwise inhibit consumers from obtaining or redeeming promised rewards?\"","document_number":"2024-30988","html_url":"https://www.federalregister.gov/documents/2024/12/30/2024-30988/consumer-financial-protection-circular-2024-07-design-marketing-and-administration-of-credit-card","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-30988.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30988.pdf?1735307135","publication_date":"2024-12-30","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"when a <span class=\"match\">consumer</span> attempts to transfer rewards points from the online portal of such covered person to the points portal of a merchant partner (\n e.g., \n requests a “conversion” of credit card rewards points to points at a travel partner), but technical failures on the merchant partner's system result in the <span class=\"match\">consumer</span> losing the points.\n \n About <span class=\"match\">Consumer</span> Financial <span class=\"match\">Protection</span> Circulars \n \n <span class=\"match\">Consumer</span> Financial <span class=\"match\">Protection</span> Circulars \n are issued to all parties with authority to enforce <span class=\"match\">Federal</span> <span class=\"match\">consumer</span> financial law. The CFPB is the principal <span class=\"match\">Federal</span> regulator"},{"title":"Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) has issued Consumer Financial Protection Circular 2024-05, titled \"Improper Overdraft Opt-In Practices.\" In this circular, the CFPB responds to the question, \"Can a financial institution violate the law if there is no proof that it has obtained consumers' affirmative consent before levying overdraft fees for ATM and one-time debit card transactions?\"","document_number":"2024-22551","html_url":"https://www.federalregister.gov/documents/2024/10/02/2024-22551/consumer-financial-protection-circular-2024-05-improper-overdraft-opt-in-practices","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-10-02/pdf/2024-22551.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-22551.pdf?1727786726","publication_date":"2024-10-02","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"Circulars \n \n <span class=\"match\">Consumer</span> Financial <span class=\"match\">Protection</span> Circulars \n are issued to all parties with authority to enforce <span class=\"match\">Federal</span> <span class=\"match\">consumer</span> financial law. The CFPB is the principal <span class=\"match\">Federal</span> regulator responsible for administering <span class=\"match\">Federal</span> <span class=\"match\">consumer</span> financial law, \n see \n 12 U.S.C. 5511, including the <span class=\"match\">Consumer</span> Financial <span class=\"match\">Protection</span> Act's prohibition on unfair, deceptive, and abusive acts or practices, 12 U.S.C. 5536(a)(1)(B), and 18 other “enumerated <span class=\"match\">consumer</span> laws,” 12 U.S.C. 5481(12). However, these laws are also enforced by State attorneys general and State regulators, 12"},{"title":"Economic Growth Regulatory Relief and Consumer Protection Act: Implementation of National Standards for the Physical Inspection of Real Estate (NSPIRE); Extension of NSPIRE Compliance Date for CPD Programs","type":"Notice","abstract":"This notice further extends the compliance date for HUD's National Standards for the Physical Inspection of Real Estate (NSPIRE) final rule for Community Planning and Development (CPD) programs. Specifically, the Department is extending the compliance date for the Emergency Solutions Grants (ESG), Continuum of Care (CoC) HOME Investment Partnerships Program (HOME), and Housing Trust Fund (HTF) programs (\"CPD programs\"), until October 1, 2026. HUD is taking this action to allow recipients and grantees additional time to implement the Department's NSPIRE standards.","document_number":"2025-18988","html_url":"https://www.federalregister.gov/documents/2025/09/30/2025-18988/economic-growth-regulatory-relief-and-consumer-protection-act-implementation-of-national-standards","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-09-30/pdf/2025-18988.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-18988.pdf?1759149920","publication_date":"2025-09-30","agencies":[{"raw_name":"DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT","name":"Housing and Urban Development Department","id":228,"url":"https://www.federalregister.gov/agencies/housing-and-urban-development-department","json_url":"https://www.federalregister.gov/api/v1/agencies/228","parent_id":null,"slug":"housing-and-urban-development-department"}],"excerpts":"program requirements may do so until the new <span class=\"match\">compliance</span> date. However, when HUD issues the standards specific to the ESG and CoC programs, all grantees and recipients will be expected to prepare for the <span class=\"match\">compliance</span> date by updating their policies and procedures to reflect the program-specific standards. \n \n CoC and ESG recipients who will implement NSPIRE prior to the new <span class=\"match\">compliance</span> date of October 1, 2026, must document the chosen <span class=\"match\">compliance</span> date in program records. Nothing in this extension of the <span class=\"match\">compliance</span> date prevents CoC and ESG recipients from"},{"title":"Improving Customer Service and Protecting Consumers Through Onshoring","type":"Proposed Rule","abstract":"In this document, the Federal Communications Commission (Commission) proposes actions that would encourage and facilitate the onshoring of foreign call centers. Specifically, the Commission proposes rules and otherwise explore ways to improve customer service communications and better protect consumers' sensitive personal information by limiting use of foreign call centers and by improving standards applicable to a company's remaining foreign call center operations. It also seeks comment on extending these protections to modes of customer service communications other than calls, such as emails, texts, and on-line chats, and on ideas to deter scam and other unlawful calls made to the United States from foreign countries. Finally, it explore steps we can take to financially deter unlawful foreign-originated calls, such as bond requirements. The Commission proposes to apply these requirements to providers of telecommunications services, CMRS, interconnected VoIP service, cable television service, and DBS services, or affiliates of such providers. It also proposes to apply these requirements to the use of foreign call centers for consumer communications relating to internet access service offered by any of the foregoing providers or their affiliates and seeks comment on whether it should extend some or all of the proposed rules to providers of other types of services.","document_number":"2026-07960","html_url":"https://www.federalregister.gov/documents/2026/04/23/2026-07960/improving-customer-service-and-protecting-consumers-through-onshoring","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-23/pdf/2026-07960.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-07960.pdf?1776861922","publication_date":"2026-04-23","agencies":[{"raw_name":"FEDERAL COMMUNICATIONS COMMISSION","name":"Federal Communications Commission","id":161,"url":"https://www.federalregister.gov/agencies/federal-communications-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/161","parent_id":null,"slug":"federal-communications-commission"}],"excerpts":"we traditionally have focused our <span class=\"match\">consumer</span> <span class=\"match\">protection</span> efforts. Inbound calls easily can become outbound calls, such as when a <span class=\"match\">consumer's</span> call is answered initially by an Interactive Voice Response (IVR) system that allows the <span class=\"match\">consumer</span> to choose to have the IVR system hold the <span class=\"match\">consumer's</span> place in line and call the <span class=\"match\">consumer</span> back. And problems, such as communication barriers and <span class=\"match\">protection</span> of sensitive <span class=\"match\">consumer</span> information, exist regardless of whether a <span class=\"match\">consumer</span> calls the provider or the provider calls a <span class=\"match\">consumer</span>. \n \n Establishing English Proficiency"}]}